Flood vs Standard Coverage Gap Calculator

ANA›Life Services Authority›National Calculator Authority›Flood vs Standard Coverage Gap Calculator

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Flood vs Standard Coverage Gap Calculator

Estimate the financial gap between what your standard homeowners policy covers and what a separate flood insurance policy would cover in a flood event.

Home Replacement Value ($)

Personal Contents Value ($)

Estimated Flood Damage (% of home value)

Estimated Contents Damage (% of contents value)

Standard Policy Deductible ($)

Flood Policy Deductible ($)

NFIP / Flood Building Coverage Limit ($)

NFIP / Flood Contents Coverage Limit ($)

Does Standard Policy Cover Any Flood Damage? (%)

Calculate Coverage Gap

function floCalc() { var resultDiv = document.getElementById('flo_result');

var homeValue = parseFloat(document.getElementById('flo_home_value').value); var contentsValue = parseFloat(document.getElementById('flo_contents_value').value); var floodDamagePct = parseFloat(document.getElementById('flo_flood_damage_pct').value); var contentsDamagePct = parseFloat(document.getElementById('flo_contents_damage_pct').value); var stdDeductible = parseFloat(document.getElementById('flo_standard_deductible').value); var floodDeductible = parseFloat(document.getElementById('flo_flood_deductible').value); var nfipBuildingLimit = parseFloat(document.getElementById('flo_nfip_building_limit').value); var nfipContentsLimit = parseFloat(document.getElementById('flo_nfip_contents_limit').value); var stdFloodCoverPct = parseFloat(document.getElementById('flo_standard_covers_flood').value);

// Validation var errors = []; if (isNaN(homeValue) || homeValue 100) errors.push("Flood Damage % must be between 0 and 100."); if (isNaN(contentsDamagePct) || contentsDamagePct 100) errors.push("Contents Damage % must be between 0 and 100."); if (isNaN(stdDeductible) || stdDeductible 100) errors.push("Standard Policy Flood Coverage % must be between 0 and 100.");

if (errors.length > 0) { resultDiv.innerHTML = '' + errors.join('') + ''; return; }

// ── Core Calculations ──────────────────────────────────────────────────────

// 1. Total flood loss (building + contents) var buildingLoss = homeValue * (floodDamagePct / 100); var contentsLoss = contentsValue * (contentsDamagePct / 100); var totalLoss = buildingLoss + contentsLoss;

// 2. Standard policy payout // Most standard HO policies do NOT cover flood; stdFloodCoverPct is typically 0. // Payout = max(0, coveredLoss - deductible), capped at home+contents value. var stdBuildingCovered = buildingLoss * (stdFloodCoverPct / 100); var stdContentsCovered = contentsLoss * (stdFloodCoverPct / 100); var stdTotalCovered = stdBuildingCovered + stdContentsCovered; var stdPayout = Math.max(0, stdTotalCovered - stdDeductible);

// 3. Flood policy payout // Building payout: min(buildingLoss, nfipBuildingLimit) - floodDeductible // Contents payout: min(contentsLoss, nfipContentsLimit) (deductible applied to building first per NFIP rules) var floodBuildingPayout = Math.max(0, Math.min(buildingLoss, nfipBuildingLimit) - floodDeductible); var floodContentsPayout = Math.max(0, Math.min(contentsLoss, nfipContentsLimit)); var floodTotalPayout = floodBuildingPayout + floodContentsPayout;

// 4. Coverage gap = total loss - best available payout // Gap WITHOUT flood policy: out-of-pocket after standard policy only var gapWithoutFlood = Math.max(0, totalLoss - stdPayout);

// Gap WITH flood policy: out-of-pocket after flood policy (flood replaces standard for flood events) var gapWithFlood = Math.max(0, totalLoss - floodTotalPayout);

// Net benefit of having flood policy var netBenefit = gapWithoutFlood - gapWithFlood;

// Uninsured remainder even with flood policy (above NFIP limits) var aboveLimitGap = Math.max(0, buildingLoss - nfipBuildingLimit) + Math.max(0, contentsLoss - nfipContentsLimit);

// ── Format helper ────────────────────────────────────────────────────────── function fmt(n) { return '$' + n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}); }

// ── Output ───────────────────────────────────────────────────────────────── var html = '### Coverage Gap Analysis '; html += '';

var rows = [ ['Estimated Building Loss', fmt(buildingLoss)], ['Estimated Contents Loss', fmt(contentsLoss)], ['Total Estimated Flood Loss',fmt(totalLoss)], ['—','—'], ['Standard Policy Payout (flood portion)', fmt(stdPayout)], ['Out-of-Pocket WITHOUT Flood Policy', fmt(gapWithoutFlood)], ['—','—'], ['Flood Policy Building Payout', fmt(floodBuildingPayout)], ['Flood Policy Contents Payout', fmt(floodContentsPayout)], ['Total Flood Policy Payout', fmt(floodTotalPayout)], ['Out-of-Pocket WITH Flood Policy', fmt(gapWithFlood)], ['—','—'], ['Amount Above NFIP Limits (uninsured gap)', fmt(aboveLimitGap)], ['Net Financial Benefit of Flood Policy', fmt(netBenefit)], ];

rows.forEach(function(r) { if (r[0] === '—') { html += ''; } else { html += '' + r[0] + '' + r[1] + ''; } }); html += '';

if (netBenefit > 0) { html += '✓ A separate flood policy would save you approximately ' + fmt(netBenefit) + ' in out-of-pocket costs for this flood scenario.

'; } else { html += '⚠ In this scenario, the flood policy provides no additional financial benefit beyond your standard policy.

'; }

if (aboveLimitGap > 0) { html += '⚠ ' + fmt(aboveLimitGap) + ' of your loss exceeds NFIP coverage limits. Consider excess flood or private flood insurance to close this gap.

'; }

resultDiv.innerHTML = html; }

#### Formulas Used

Building Loss = Home Replacement Value × (Flood Damage % ÷ 100)

Contents Loss = Contents Value × (Contents Damage % ÷ 100)

Total Loss = Building Loss + Contents Loss

Standard Policy Payout = max(0, (Building Loss + Contents Loss) × Standard Flood Cover % − Standard Deductible)

Flood Policy Building Payout = max(0, min(Building Loss, NFIP Building Limit) − Flood Deductible)

Flood Policy Contents Payout = max(0, min(Contents Loss, NFIP Contents Limit))

Out-of-Pocket Without Flood Policy = max(0, Total Loss − Standard Payout)

Out-of-Pocket With Flood Policy = max(0, Total Loss − Flood Total Payout)

Net Benefit of Flood Policy = Out-of-Pocket Without − Out-of-Pocket With

Above-Limit Gap = max(0, Building Loss − NFIP Building Limit) + max(0, Contents Loss − NFIP Contents Limit)

#### Assumptions & References

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References

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